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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,697 | $78,483-69.8% | $106,201-77.7% | $74,546-68.2% |
| Participation rate | 54.0% | 72.8%-18.8pp | 75.3%-21.3pp | 67.2%-13.2pp |
| Annual return | 14.54% | 15.94%-1.4pp | 116.26%-101.7pp | 1366.03%-1351.5pp |
| Employer contribution / active EE | $1,254 | $2,522-50.3% | $3,170-60.5% | $2,624-52.2% |
| Participant deferral / active EE | $2,007 | $4,320-53.5% | $5,012-60.0% | $4,347-53.8% |
| Admin fee / account holder | $2,671 | $2,236+19.5% | $11,039-75.8% | $1,944+37.4% |